Routing #275977489
A Marine Credit Union Share Certificate offers safe, reliable growth. Choose the term that best fits your financial goals and benefit from fast, guaranteed returns.
Or, call us at 800.923.7280.
Low Minimum Balance. With share certificates starting at only $1,000, we make it easy for you to start earning without stretching your budget.
Flexible Terms. Choose a term that fits your financial goals, from 3 months to 60 months. Even our shorter-term certificates offer competitive returns. Explore our current offers.
Guaranteed Growth. With our share certificates, your funds are safe and your earnings are guaranteed, no matter what the market does. Lock in your fixed rate today.
A share certificate is a smart choice if you’re committed to achieving your long-term savings goals. It’s a great option for moving your funds from a low-interest account to a secure account with a guaranteed, higher rate of return.
Share certificates are designed to reward your commitment to long-term savings. Withdrawing funds before your certificate reaches maturity may result in early withdrawal penalties. If you need more flexibility and fund accessibility, explore our other savings options.
Call us at call us at 800.923.7280 to Open Your Marine Credit Union Money Market Today.
A share certificate is similar to a certificate of deposit (CD) at a bank. It’s a savings product that offers a guaranteed rate of return over a set term. You agree to keep your money in the account for the term length, and in return, you earn a fixed dividend rate, making it a low-risk way to grow your savings.
Rates vary based on the term you select. Share certificate terms commonly range from 3 months to 60 months. Once you lock in your rate at the start of your term, it won’t change, giving you a guaranteed rate of return.
Once your share certificate is opened, you can’t make additional deposits. If you want to add to your savings over time, consider our other savings options allowing ongoing deposits.
When your share certificate reaches the end of its term, you’ll have a few options. You can withdraw your funds, renew for another term, or transfer the balance to another account. We’ll notify you before your certificate matures so you can decide on the best next step.
Yes, you can withdraw your funds early, but early withdrawals come with a penalty:
If you need easier access to your funds, consider opening a traditional savings account or money market.
In certain situations, early withdrawal penalties may be waived, such as:
If you think you might need to access your funds before the end of your certificate term, a savings account or money market could be a better fit. While share certificates offer higher returns, they’re best for funds you feel comfortable setting aside untouched until maturity.
Everyone’s savings needs are different. Find the right fit for your financial journey with these options:
Our Money Market is a flexible account that allows you to earn higher dividends while maintaining access to your funds.
Learn more about Money Markets.
Our Savings Accounts are simple and accessible, perfect for building your emergency fund or setting money aside for your short-term savings goals.
Our Investment and Retirement Accounts are designed to help you achieve your long-term goals. We offer a variety of options to support your journey, including a Traditional IRA and Roth IRA.
Explore all of our savings options and open an account today.
